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Profile Summary

Pivotal sales head offering 14 years of experience in implementing successful sales and marketing strategies and motivating highly galvanized teams to produce significant bottom-line results. Distinguished Channel distribution background in Payments , Hospitality and Insurance to drive revenue across multiple business verticals. Adept at designing and executing effective sales strategies to optimize market opportunities

Key Competencies & Offerings

B2B Wholesale BD, Payments Bank distribution, Payment Acceptance and Merchandising,  Business Development,  Direct and Channel Sales – BTL & ATL Marketing -Relationship Management– B2B & B2C– Sales Execution  – Territory Mapping  – Strategic Planning - Team Leadership – Sales and BD Process – Market/Strategy Development – Multi-Channel Marketing

Significant Contributions and Achievements

B2B Wholesale Business Development ,Payments Acceptance Merchandising & Payments Bank:-

  • Instrumental in setting up B2B wholesale business, Payments acceptance and Payments bank distribution
  • Set up the complete mobile payments and digital wallets across the state and received the certificate of excellence
  • Built a Satisfied Merchant base of 4500+ as an active service points for our customer kyc and open bank accounts
  • Implemented the “Lets engage program” initiative to take ownership in managing key merchants performance
  • Created a new local initiate of display the contacts of all levels to reach out emergency for any service help

Magic holidays:-

  • Break-even of expenses within the first year of tenure, capturing top rankings among Cash collections of 27% against the sales volume for the new brand panoramic holidays in the region
  • Sharpen operational performance and time management with the introduction of new procedures in the operation process. Set-up and implemented tasks for monitoring and focusing the EMI and ECS success ratio with the help of branch accounts
  • Creatively maximised the additional revenue through upfront down payment and ASF collections as a new initiative in the country. This provided the ability to get confirmed holidays to customers without hassle and dramatically improved profitability
  • Boosted telemarketing accuracy from 7% to 12% with the staff development and implementation of a spiffs incentive programs for tele-callers, team leaders
  • Launched successful marketing strategies, promotions and ensured continuous delivery of quality lead flow to sales resulting in cost control and region’s profit, also elevated the brand awareness in FM radio through cross promotion and barter deal

Bharti Axa life Insurance:-

  • Promoted to Senior Area Head in Bharti AXA Life after working as Area Head in Low-productive branch of our cluster was transformed into key regional branches. ( 2008-2012)
  • Awarded with Certificate of Appreciation for the outstanding performance in WNBRP, South and achieved International Convention Trips to Malaysia, Phuket and Singapore
  • Instrumental in setting up a new campaign based business verticals and executed the strategies and attained the second best regional FA productivity in the country with bharti AXA life insurance

Icici Prudential Life Insurance:-

  • Promoted to take leadership roles in successfully achieving key performance areas in various roles as Financial Services Manager and Financial Services Executive during 2004 to 2008, ICICI Prudential life insurance
  • Instrumental in setting up the Health channel new verticals in the region for ICICI Prudential 2006-2007
  • Consistently won Excellence Certificates from 2004 to 2007  and won international conventions


Professional Experience

Nov 2016Present

Regional Account Manager- Payments Bank and B2B Wholesale Business


Instrumental in setting up and responsible in managing  payment accepted merchant acquisitions and alliances for payments business as a State Head. 

Presently, Responsible in managing the Wholesale Business Development and managing the Payments Bank Distribution set up across the region

  • Driving Brand Love for Payments across district wise market – TN & Kerala
  • Creating a customer first approach to drive adoption and our product offerings to move advanced digital wallet
  • Spearheading a team of 120+ employees and 9800 retailers to drive customer kyc program , account opening, merchandising , user experience, communication development, on ground visibility and trade engagement
  • Responsible to develop the strategy to appoint Retailers & Distributors of specific profiles for channel network expansion in key districts and other top towns and sales team management.
  • Imparting the knowledge to the channel partners regarding the digital wallet payments services and bank account features and benefits.
  • Managing and restoring the trust with retailers and deepening their customer relationships to achieve effective and proactive intervention.
  • Planning & executing activation programs like In-store demos for daily activating behaviors to increase the active customers for additional earnings for retail outlets and distributors
  • Working on consumer promotions and channel engagement scheme for all our Banking correspondence.

Feb  2015 Nov 2016

Business Development Head

Gogaga Holidays

Gogaga holidays -  Own business set up with former colleague

Partnership Start-up online travel portal positioning itself to become unique in offering exclusive travelproducts and services to travel partners and consumers. Core management team member involved in developing new markets and strategic tactical plan in tie up new alliances and successful relationships to facilitate exchange of information of our new innovative products. Expand to overseas territory (dubai) to positioning and penetrating NRI business

Nov 2012Dec 2014

Circle Head - Sales and Operations

Panoramic Group of Companies -Magic Holidays, Chennai

Leadership role as entrepreneurial drive in a start-up environment, and took on the challenge to complete the set up of new branches of the region by recruiting and improving the calibre and performance of sales teams throughout the TN region. Direct the sales & Marketing employees of 93 members and manage the P&L of the region.

Responsible in business development and revenue generation from Direct, venue and channel sales team, and managed all the operational function team in Marketing, Telemarketing, Customer service, Admin, Accounts, and Human resource functions.

  • Generated 5.6 Cr+ in sales revenue by building a talented team, action-oriented Channel business partners the network of 120+ throughout the region within a first 12-month period.
  • Spearhead to lead generation utilising ATL and BTL customer responses
  • Brand building and Promotions

Aug 2008Nov 2012

Regional Manager- Telecassurance for South Locations

Bharti AXA Life Insurance co. ltd, Bangalore

  Manage a key role in Telecom Distribution Channel & Campaign sales in four locations across South India .Assign for Top line productivity, Efficiency, and Quality of business. Responsible in managing 6 Area managers and their respective team of 77-members and ensured continuous delivery of new business from various sources of leads conversion and generated over INR 6.4 Cr per Annum

  • Monitored prospect leads to conversion and achieved 7.5% against the national average of 7%
  • Produced smooth running business teams through coordination with operations
  • Create efficiency of Policy bazaar & other campaign leads conversion to processing through the emphasis on coaching, field support and Sales governance.

Senior Area Head (Airtel Telca Direct Sales & Distribution), 2008-2011

  • Developed Chennai Branch of No.1 in APC clusters of 114% business achievement and maintained consistent position in consecutive years.
  • Directed Recruiting DSA business referral partner, airtel retailers, account development, staffing and coaching.
  • Promote employee relations of extensive team-focused activities constituting 30+ team 


Sep 2004Aug 2008

Sales Manager - Direct Sales

ICICI Prudential Life Insurance, Chennai

Led a Salesforce of 5 Financial services managers and their team of 28 members. Grew the business by developing a relationship, coaching sales teams to achieve business targets and implementing quality business improvements.Consistently generated additional business with thorough product knowledge, sales techniques in line with Bancassurance channel metrics.

  • Following up new business opportunities and setting up meetings, Planning and preparing customised presentations and communicating new product development to prospective clients for new and repeat business.
  • Achieve sales of INR 3.75 Cr with 12% conversion to leads in 2007-08



July 2017July 2018

General Business Management

IIM Lucknow - Part time

Successfully Complete the 1 year  EPBAM

Jul 2002Jul 2004

M.B.A - St. Joseph College of Engineering (Sathyabama group), Affiliated to Anna University

Regular full time management course - 2 years  Marketing & HR

Jul 1998Jul 2001

B.Sc - Asan Memorial College, Affiliated to Madras University

Regular full time course - 3 years Microbiology

Apr 2015Oct 2015

Certified Program in Digital Marketing, Digital Academy

SEO, SMM, Web Analytics and Email marketing

Personal Information

  • Date of birth - 22 Mar 1979
  • Marital Status - Married
  • Nationality - Indian
  • Languages - English, Malayalam, Tamil, Hindi
  • References - Available on request